Have you ever called your credit card company to lower your interest rate?
I have had my credit card since 2005 and have been trying to pay it off since, and it really isn’t a big debt, less than $1000. There have been times when I have even given more than half of my balance, and in the end I still end up not being near my goal of paying it off. I have been thinking about calling my bank to see if they would lower the interest, but again, I know I am at fault for having a past bad payment history ( Something I have been working on in the past year, though I have never not paid, just been late). And to top it off, I was late two days this this month. Do you all think I have a chance of them lowering my interest rate? I know I have nothing to lose, except being very upset and disliking my bank even more. Anyone else have any experiences or advice they’d like to share? Thanks!
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